Broker Compensation and Our Commitment to You
At Expo Insurance Brokers, we act as an independent partner dedicated to serving your insurance needs. Our primary objective is to secure reliable and competitive insurance solutions for your assets and liabilities, and we do this by working exclusively for you, our client.
Unlike single-carrier agents, our status as an independent, privately owned brokerage means we are not obligated to any one insurance company. This freedom allows us to provide unbiased advice and access a wide range of options, ensuring your interests are always our top priority. Our team of trained and licensed professionals is committed to guiding you through your choices, managing your policies, and advocating for you should a claim ever arise. Our firm has no direct ownership by any insurance company, so you can be confident that our advice is solely focused on finding the best protection for you.
We are compensated for our expertise and services through a commission fee, which is already incorporated into your total premium. To be fully transparent about our business practices, the schedule below outlines the commission percentages we receive from our network of reputable insurers.
| Company | Property | Automobile |
|---|---|---|
| Aviva* | 20% | 10%-12.5% |
| Coachman* | 20% | 10%-12.5% |
| Echelon* | N/A | 12.5%-15% |
| Economical Mutual* | 20% | 10%-12.5% |
| Facility (Nordic) | N/A | 6%-11% (Capped at $250) |
| Gore* | 20% | 10%-12.5% |
| Heartland Mutual* | 20% | 12.5% |
| Intact Insurance* | 20% | 12.5% |
| Jevco* | N/A | 12.5% |
| Pafco* | 20% | 12.5% |
| Pembridge* | 20% | 12.5% |
| Perth | 20% | 12.5% |
| Travelers* | 20% | 12.5% |
| Unica* | 20% | 12.5% |
| Wawanesa Mutual* | 20% | 7.5%-12.5% |
| Various Specialty Markets | 10%-15% | 7.5%-12.5% |
Insurance FAQ's
A standard home insurance policy typically covers your home’s structure (dwelling), personal belongings, liability for injuries or damages to others, and additional living expenses if you need to temporarily relocate due to an insured event. Depending on your needs, optional coverages like water damage, sewer backup, and overland flooding can also be added.
Yes, even if your home is mortgage-free, insurance is still essential to protect your investment. Without coverage, you’d be responsible for repair or replacement costs after a fire, theft, or other major loss. Home insurance also includes liability coverage, which protects you if someone is injured on your property.
Several factors influence your premium, including the age and construction of your home, location, value of your belongings, claims history, credit score (in some provinces), and the coverage options you choose. Installing safety features like smoke detectors or security systems may help lower your rate.
Typical exclusions include damage from earthquakes, overland flooding, gradual wear and tear, pest infestations, and intentional acts. Some of these risks—like flood or earthquake coverage—can be added through endorsements. We’ll help you understand your policy’s exclusions and suggest any additional protections you might need.
Yes! Many insurers offer multi-policy discounts when you bundle your home and auto insurance. Bundling not only saves money but also simplifies your coverage under one provider. Our brokers can compare bundled quotes from multiple insurers to find the best value for you.
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